Monday, February 1, 2010

Muslim inventions that shaped the modern world

By Olivia Sterns for CNN
January 29, 2010 7:53 a.m. EST

London, England (CNN) -- Think of the origins of that staple of modern life, the cup of coffee, and Italy often springs to mind.

But in fact, Yemen is where the ubiquitous brew has its true origins.

Along with the first university, and even the toothbrush, it is among surprising Muslim inventions that have shaped the world we live in today.

The origins of these fundamental ideas and objects -- the basis of everything from the bicycle to musical scales -- are the focus of "1001 Inventions," a book celebrating "the forgotten" history of 1,000 years of Muslim heritage.

"There's a hole in our knowledge, we leap frog from the Renaissance to the Greeks," professor Salim al-Hassani, Chairman of the Foundation for Science, Technology and Civilisation, and editor of the book told CNN.

"1001 Inventions" is now an exhibition at London's Science Museum. Hassani hopes the exhibition will highlight the contributions of non-Western cultures -- like the Muslim empire that once covered Spain and Portugal, Southern Italy and stretched as far as parts of China -- to present day civilization.
Hospitals as we know them today, with wards and teaching centers, come from 9th century Egypt
--professor Salim al-Hassani
RELATED TOPICS

* Middle East
* World History
* Science and Technology

Here Hassani shares his top 10 outstanding Muslim inventions:

1. Surgery

Around the year 1,000, the celebrated doctor Al Zahrawi published a 1,500 page illustrated encyclopedia of surgery that was used in Europe as a medical reference for the next 500 years. Among his many inventions, Zahrawi discovered the use of dissolving cat gut to stitch wounds -- beforehand a second surgery had to be performed to remove sutures. He also reportedly performed the first caesarean operation and created the first pair of forceps.

2. Coffee

Now the Western world's drink du jour, coffee was first brewed in Yemen around the 9th century. In its earliest days, coffee helped Sufis stay up during late nights of devotion. Later brought to Cairo by a group of students, the coffee buzz soon caught on around the empire. By the 13th century it reached Turkey, but not until the 16th century did the beans start boiling in Europe, brought to Italy by a Venetian trader.

3. Flying machine

"Abbas ibn Firnas was the first person to make a real attempt to construct a flying machine and fly," said Hassani. In the 9th century he designed a winged apparatus, roughly resembling a bird costume. In his most famous trial near Cordoba in Spain, Firnas flew upward for a few moments, before falling to the ground and partially breaking his back. His designs would undoubtedly have been an inspiration for famed Italian artist and inventor Leonardo da Vinci's hundreds of years later, said Hassani.

4. University

In 859 a young princess named Fatima al-Firhi founded the first degree-granting university in Fez, Morocco. Her sister Miriam founded an adjacent mosque and together the complex became the al-Qarawiyyin Mosque and University. Still operating almost 1,200 years later, Hassani says he hopes the center will remind people that learning is at the core of the Islamic tradition and that the story of the al-Firhi sisters will inspire young Muslim women around the world today.

5. Algebra

The word algebra comes from the title of a Persian mathematician's famous 9th century treatise "Kitab al-Jabr Wa l-Mugabala" which translates roughly as "The Book of Reasoning and Balancing." Built on the roots of Greek and Hindu systems, the new algebraic order was a unifying system for rational numbers, irrational numbers and geometrical magnitudes. The same mathematician, Al-Khwarizmi, was also the first to introduce the concept of raising a number to a power.

6. Optics

"Many of the most important advances in the study of optics come from the Muslim world," says Hassani. Around the year 1000 Ibn al-Haitham proved that humans see objects by light reflecting off of them and entering the eye, dismissing Euclid and Ptolemy's theories that light was emitted from the eye itself. This great Muslim physicist also discovered the camera obscura phenomenon, which explains how the eye sees images upright due to the connection between the optic nerve and the brain.

7. Music

Muslim musicians have had a profound impact on Europe, dating back to Charlemagne tried to compete with the music of Baghdad and Cordoba, according to Hassani. Among many instruments that arrived in Europe through the Middle East are the lute and the rahab, an ancestor of the violin. Modern musical scales are also said to derive from the Arabic alphabet.

8. Toothbrush

According to Hassani, the Prophet Mohammed popularized the use of the first toothbrush in around 600. Using a twig from the Meswak tree, he cleaned his teeth and freshened his breath. Substances similar to Meswak are used in modern toothpaste.

9. The crank

Many of the basics of modern automatics were first put to use in the Muslim world, including the revolutionary crank-connecting rod system. By converting rotary motion to linear motion, the crank enables the lifting of heavy objects with relative ease. This technology, discovered by Al-Jazari in the 12th century, exploded across the globe, leading to everything from the bicycle to the internal combustion engine.

10. Hospitals

"Hospitals as we know them today, with wards and teaching centers, come from 9th century Egypt," explained Hassani. The first such medical center was the Ahmad ibn Tulun Hospital, founded in 872 in Cairo. Tulun hospital provided free care for anyone who needed it -- a policy based on the Muslim tradition of caring for all who are sick. From Cairo, such hospitals spread around the Muslim world.

For more information on muslim inventions go to: muslimheritage.com. For more information about the exhibition at London's Science Museum go to: science museum.org.uk

THE Powerful Testimony of Dr. Aafia Siddiqui

SAFAR 1431 A.H.
(January 31, 2010)

As captured by El-Hajj Mauri’ Saalakhan

Aafia Siddiqui – a daughter, a sister, a mother of three, committed Muslim, social scientist, hafiz of Qur’an – needed to be heard. For years she had suffered in virtual silence…aching to be heard, to be understood, to have certain malicious untruths corrected and exposed for the lies they were. That day finally came on Thursday, January 28, 2010!

The high drama of that day’s proceedings revolved around the question of whether or not U.S. District Judge Richard Berman would grant Aafia’s repeated demand to take the stand in her own defense.

Aafia’s lawyers appeared to be animate in their opposition to her taking the stand, while the prosecution appeared (on the surface) to be in favor of Aafia being entitled to her Fifth Amendment right. Her brother (Muhammad) was apprehensive about her taking the stand, leaning more in favor of her following the advice of her lawyers. Even Pakistani Ambassador Hussain Haqqani became involved. During a short visit he was allowed with the defendant, he reportedly advised Aafia to follow the advice of her lawyers.

Aafia’s response to this collective concern was that she would make istiqara (a supplication to ALLAH Almighty for guidance on the matter); and in the end Aafia Siddiqui would be heard.

While I understood the reservations of those who were concerned about Aafia taking the stand (given all that she had already been through), I fully supported our sister’s right to be heard, and was guardedly optimistic about the potential outcome. More than anything, however, I knew that Aafia – like two young Muslim men in an Atlanta courtroom, and several young Muslim men in a New Jersey courtroom (who were eager, but manipulated into not taking the stand in their own defense not long ago) – needed to be heard! Aafia needed to have her day in court!

The process began with a preliminary (test) examination, with Aafia taking the witness stand in the absence of the jury – a kind of hearing within a hearing – to see how she would respond to that type of intensive and focused examination. After the judge determined that she was capable enough to enjoy her constitutional “right” to take the stand in her own defense, the jury was brought back into the courtroom, and it was on. (And what truly spectacular courtroom drama it turned out to be!)

The following summary is based on my notes from January 28th

Open court proceedings began late in the morning, due to a number of procedural issues that needed to be addressed behind closed doors. Once proceedings began, it did so with the judge explaining Aafia’s right, and the possible risks, of her taking the stand. There was extensive discussion about the course and extent of cross examination should Aafia decide to testify.

The government’s support of Aafia taking the stand was full of irony, given the fact that the government had repeatedly argued (during pre-trial and trial proceedings) that Aafia should not even be allowed to remain in the courtroom, because of her periodic outbursts and “uncontrollable” nature (in their view).

The First Witness

It was noted by the government that over a 12 day period, while Aafia was at the Craig Field Hospital at Bagram for critical care medical treatment, following her near fatal re-arrest in July 2008, two FBI agents had continuous access to the injured prisoner (a male and female who did not identify themselves to Aafia as FBI personnel).

FBI Special Agent Angela Sercer was the first to testify. She spoke about how she interrogated Aafia on a daily basis for the purpose of gathering “intelligence.” She described how she sat with Aafia for an average of eight hours each day, and of how they discussed the shooting incident and other related matters (discussions she said Aafia would always initiate). Agent Sercer prepared written reports, and disclosed during testimony that Aafia was never Mirandized (i.e. informed of her rights to remain silent and consult with an attorney before questioning), nor did she have access to a Pakistani consular official.

According to Sercer, Aafia mostly enjoyed her discussions with this special agent. Sercer maintained that she treated Aafia with respect and did her best to respond to Aafia’s needs – i.e. when she requested food, water, bathroom access, or when she requested a Qur’an and a scarf, or when she would complain that the “soft restraints” were too tight and needed to be loosened, etc.

Between 7/19/-8/4/08, FBI agents were posted inside and outside Aafia’s room 24 hours a day, ostensibly to insure that Aafia could not escape and to provide security for hospital personnel – despite the “soft restraints” which secured her hands and legs to the bed (in what Aafia later described as very uncomfortable positions) during her stay at this field hospital in Bagram.

The second witness

The second agent to testify was FBI Special Agent Bruce Kamerman, who had reportedly been assigned on 7/21/08. He claimed that Aafia made numerous statements, that she seemed lucid and to not be in much pain. He also insisted that there was never any coercion. He testified that Aafia had no visitors, and that no Afghan staff attended to her. He also claimed that there were occasions when Aafia would declare that her children were dead, and other times when she stated they might be living with her sister.

Following the testimony of the second agent, a hearing within the trial was held so that Aafia could give testimony (in the absence of the jury).

Aafia testified that when she first realized she was in a hospital she had tubes everywhere. She was in a narcotic state resulting from the administration of powerful drugs (one or two she could remember by name, others she couldn’t). She recalled how her hands and feet were secured uncomfortably apart. She said the agents never identified themselves as FBI, except for “Mr. Hurley.”

Aafia accused Agent Bruce Kamerman of subjecting her to “psychological torture.” She accused him of being immodest whenever he was present and medical personnel needed to examine her, and complained of how he would stand right outside the bathroom door whenever she needed to use it. She testified that Kamerman would sometimes come in the middle of the night (when he wasn’t supposed to be there), and encourage the person assigned to take a break. Aafia said she remained in a sleep deprived state as a result of his frequent presence.

During this period she never had any contact with family, nor with any Pakistani authorities. She thought that [FBI Agent] “Angela was just a nice person.”

During the cross examination Aafia spoke about being “tortured in the secret prison,” and of how she kept asking about her children. She insisted that she never opined that they might be with her sister.

(I should note here that Aafia’s testimony was consistent with information contained on an audio CD that we’ve produced on the case. On the CD, former Bagram and Guantanamo prisoner Moazam Beg recounts how the un-identified female prisoner at Bagram, known only as Prisoner 650, was identified as a Pakistani national who appeared to be in her 30s, and as someone who had been torn away from her children and who didn’t know where they were.)

Aafia also testified that she had multiple gunshot wounds; and that in addition to the gunshot wounds she had a debilitating back condition (resulting from being thrown on the floor after she was shot), persistent headaches, and an intubation tube. She also emphasized that she was in and out of consciousness; and, at times, mentally incoherent.

The video testimony of an Afghan security chief (by the name of Qadeer) was received by the court. While I had to briefly leave the court, and missed this testimony, it is my understanding that what Qadeer had to say about events at the Afghan National Police station in Ghazni – leading up to the shooting of Aafia – contradicted the testimony of a number of the government’s main witnesses.

Later in the afternoon, when Aafia testified in front of the jury, the overflow courtroom (where I was seated) was full of observers. The majority appeared to be non-Muslims in professional attire – a probable mix of court and Justice Department personnel (including interns), law students, and a few journalists. I would estimate that roughly a quarter of the observers in this overflow courtroom were made up of solid Aafia supporters – and yet the reaction to the testimony at times was both interesting and edifying.

When I returned to the courtroom (about 10 minutes into Aafia’s testimony), she was describing her academic work leading up to the achievement of her PhD at Brandeis University. She testified that after completing her doctorate studies she taught in a school, and that her interest was in cultivating the capabilities of dyslexic and other special needs children.

During this line of questioning, the monstrous image that the government had carefully crafted (with considerable support from mainstream media) of this petite young woman, had begun to be deconstructed. The real Dr. Aafia Siddiqui – the committed muslimah, the humanity-loving nurturer and educator, the gentle yet resolute mujahid for truth and justice – began to emerge with full force.

Testimony then proceeded to the events of July 17-18, 2008. Aafia testified that she remembered being concerned about the whereabouts of her missing children. She also remembered a press conference in an Afghan compound.

She testified about being tied down to a bed until she vigorously protested, and was later untied and left behind a curtain. She later heard American and Afghan voices on the other side of the curtain, and concluded that they [Americans] wanted to return her to a “secret prison” again. She testified about how she had pleaded with the Afghans not to let the Americans take her away.

She testified about peaking through the curtain into the part of the room where Afghans and Americans were talking, and how when a startled American soldier noticed her, he jumped up and yelled that the prisoner had gotten loose, and shot her in the stomach. She described how she was also shot in the side by a second person. She also described how after falling back onto the bed in the room, she was violently thrown to the floor and lost consciousness.

She testified that she was in and out of consciousness, and vaguely recalled being placed on a stretcher, a helicopter, and receiving a blood transfusion – which she protested, drawing laughter in the courtroom when she recounted how she had “threatened to sue” her medical attendants if they gave her a blood transfusion. During this testimony, Aafia animatedly rejected the allegation that she picked up a [M-4] rifle and fired it (or that she even attempted to do so).

The Cross Examination

This is the time when every eye and every ear was riveted on the proceedings. It was the moment that Aafia’s defense attorneys, her brother, and a host of Muslim and non-Muslim supporters (seated within both courtrooms) dreaded. It was also the point in the proceedings that had the prosecution salivating for what opportunities would come there way – or so they thought!

Cross examination began with Aafia revisiting the degrees that she received at MIT and Brandeis universities. She acknowledged that she took a required course in molecular biology; but emphasized that her work was in cognitive neuroscience. When questioned on whether she had ever done any work with chemicals, her response was, “only when required.”

(This opening line of questioning was significant for its prejudice producing potential in the minds of jurors. While Aafia is not being charged with any terrorism conspiracy counts, the threat of terrorism has been the pink elephant in the room throughout this troubling case!)

The prosecutor attempted to draw a sinister correlation between Aafia and her [then] husband being questioned by the FBI in 2002, and leaving the U.S. a week later. Aafia noted that there wasn’t anything sinister about the timing; they had already planned to make that trip home before the FBI visit. To underscore this point, she noted how she later returned to the U.S. to attempt to find work in her field.

One of the most heart-wrenching moments in the cross-examination was when Aafia described how she was briefly re-united with a young boy in Ghazni (July 2008) who could have been her oldest son. She spoke of how she was mentally in a daze at that time, and had not seen any of her children in five years. As a result she could not definitively (than or now) determine if that was indeed her son, Ahmed.

When asked whether she had incriminating documents in her possession on the day she was arrested, Aafia testified that the bag in her possession on the day that she was re-detained was given to her. She didn’t know what was in the bag, nor could she definitively determine if the handwriting on some of the documents was hers or not. She also mentioned on a number of occasions (to the chagrin of the prosecutor) how she was repeatedly tortured by her captors at Bagram.

She was also questioned on whether she had taken a pistol course at a firing range while a student in Boston. Her initial reaction was that she did not have any recollection of taking such a course, and when pressed further, answered “No.” When the prosecutor continued to press the issue (infusing sinister motivations in the process), Aafia admonished the prosecutor in the strong, clear voice that was heard throughout her testimony: “You can’t build a case on hate; you should build it on fact!”

Aafia testified that all she was thinking about at the time of her re-arrest in Ghazni, was “getting out of that room and not being sent back to the secret prison.” While discussions were going on between the Afghans and Americans, Aafia was searching for a way out. She repeated her assertion that she startled one of the soldiers who hollered, “She’s free! – before shooting her.

Aafia also elicited an approving reaction in the courtroom when she opined, in reaction to the government’s narration of events, she could not believe a soldier would be so irresponsible as to leave his M4 rifle on the floor unsecured.

In response to government questioning she again took the opportunity to strongly rebuke Agent Kamerman, while rejecting most of his testimony revisited by the prosecutor.

Aafia spoke highly of a number of nurses (and a doctor) who took care of her at Bagram. There was one nurse in particular that Aafia promised to mention favorably if she ever wrote a book. She then produced laughter in the courtroom again when she stated, “Since I don’t think I’m going to write a book, I’m mentioning her now.”

One of the most powerful and revealing moments in the testimony was when she spoke about the people who systematically abused her in the “secret prison” – denouncing them as “fake Americans, not real Americans.” (Because of the way their actions both violated and damaged America’s image!)

She spoke again, under cross examination, about the strong pain medication she was on, and some of the effects this medication had on her.

Aafia also mentioned how she was instructed to translate and copy something from a book while she was secretly imprisoned. During the course of this testimony which repeatedly drew the ire of an increasingly frustrated prosecutor, Aafia noted how she can now understand how people can be framed (for crimes they are not guilty of).

At this point in the proceedings, the judge ordered a brief recess. Clearly the government had thought that they would be able to control and manipulate Aafia in manner that would work in their favor; this ended up being a MAJOR MISCALCULATION. The purpose of this break in the proceedings, in my humble opinion, was to allow the prosecutor to regain her composure, and consult with fellow prosecutors for a more effective line of attack.

When testimony resumed, Aafia spoke of how she was often forced-fed information from one group of persons at the secret prison, and then made to regurgitate the same information before a different group of inquisitors. While it was presented to her as a type of “game,” she spoke of how she would be “punished” if she got something wrong.

On defense cross, Aafia was shown pictures and asked to identify herself in them. She reluctantly did so, but with a little levity, citing how unattractive and immodest the photos were.

I could not see the photos from the overflow courtroom where I was sitting, but I assume that these were the photos of an un-covered, emaciated and emotionally disfigured Aafia Siddiqui – after her horrific ordeal at the hands of American terrorists.

A final note: I sincerely believe that Aafia Siddiqui’s time spent on the witness stand on January 28th was a cathartic experience for her – but one that the prosecution, in retrospect, now deeply regrets. For any truly objective and fair-minded person who witnessed that day’s proceedings, the U.S Government’s case against Aafia Siddiqui was exposed for what it always was…a horrific and profoundly tragic miscarriage of justice!

The struggle continues…

El-Hajj Mauri’ Saalakhan

© copyright 2010, All Rights Reserved

Siddiqui Takes Stand in Her Own Defense In Federal Trial

By Mark Hamblett

January 29, 2010

Aafia Siddiqui yesterday denied attempting to kill U.S. personnel in Afghanistan in 2008 and insisted she was framed for the crime.

Speaking from the witness stand in Manhattan federal court, with much of her face obscured by a scarf, the U.S.-educated native of Pakistan said she had been trying to sneak out from behind a curtain and escape the police compound where she was about to be questioned on July 18, 2008, when she was shot by an American soldier. She denied seizing an unattended M-4 rifle and firing at FBI agents and military personnel.

"The next thing I know, somebody saw me and said something and shot me," Ms. Siddiqui told the jury during 30 minutes of questioning by defense attorney Elaine Sharp.

When asked by Ms. Sharp if she ever picked up a gun, Ms. Siddiqui called it "the biggest joke. I have sometimes been forced to smile under my scarf. Of course not."

Later, Assistant U.S. Attorney Jenna Dabbs asked her on cross-examination, "Are you saying you don't remember?"

Ms. Siddiqui responded, "I'm telling you what I know: I walked toward the curtain and then I was shot. My head does not believe that American soldiers would be so irresponsible to leave a gun around."

Ms. Siddiqui's testimony came after two days of arguments in which defense counsel for the 37-year-old neuroscientist said their client had mental health issues and diminished capacity, and should be kept off the witness stand for her own good. Prosecutors from the Southern District U.S. Attorney's Office insisted she had the right to testify.

Though Ms. Siddiqui had been found competent to stand trial she has had outbursts in court that have prompted Judge Richard M. Berman to order her removed.

But the judge ultimately decided that Ms. Siddiqui's right to testify carried the day and she had neither waived that right nor forfeited it by her conduct.

Ms. Siddiqui was arrested by Afghan authorities on July 17, 2008, while allegedly carrying in her purse chemicals, a list of terror targets in New York City, instructions on how to make a dirty bomb and drawings of weapons.

Yesterday, she denied to Ms. Dabbs having any knowledge of the bag's contents.

"I can't testify to that, the bag was not mine, so I didn't necessarily go through everything," she said.

"Did you have notes on a dirty bomb?" Ms. Dabbs asked.

"To answer your question, I do not know how to make a dirty bomb," Ms. Siddiqui said, adding later, "I did not draw those pictures. I'm definitely not that good an artist, I can tell you that."

Ms. Siddiqui repeatedly snuck into her testimony her claim that she had been held in "secret prisons" and tortured before her arrest in Afghanistan.

At one point, when her head scarf began to slip over her face, her attorney, Ms. Sharp, asked her to explain her attire.

"If you've been in a secret prison, abused, you get more modest. And it's part of the religion," Ms. Siddiqui said.

Judge Berman has had to chart a delicate course with Ms. Siddiqui, who boycotted several trial sessions, repeatedly disrupted proceedings and has been removed from the courtroom several times. Most of the time she spent in the courtroom she sat slumped over the defense table with her arms crossed as on a pillow.

The judge allowed her to testify yesterday only after a lengthy question-and-answer session on whether she understood her rights and a debate between prosecutors and defense lawyers over whether statements she made to FBI agents while being treated at the hospital for a gunshot wound could be admitted into evidence.

Judge Berman ruled that the statements could indeed be used to impeach Ms. Siddiqui, and Ms. Dabbs introduced several of them, including one in which Ms. Siddiqui allegedly told an agent she had fired the weapon.

Ms. Siddiqui denied it and making the other statements as well, telling the jury at one point, "If I messed up it was torture. It was the same game."

She also denied taking pistol lessons at the Braintree Pistol and Rifle Course in Braintree, Mass., while she was a student at the Massachusetts Institute of Technology. When asked by Ms. Dabbs whether she had "fired thousands of rounds" at the club, Ms. Siddiqui answered, "I have no recollection."

The prosecution is expected to counter that testimony with a witness during its rebuttal case this morning.

@|Mark Hamblett can be reached at mhamblett@alm.com.

Rationale

The essential feature of Islamic banking is that it is interest-free. Although it is often claimed that there is more to Islamic banking, such as contributions towards a more equitable distribution of income and wealth, and increased equity participation in the economy (Chapra 1982), it nevertheless derives its specific rationale from the fact that there is no place for the institution of interest in the Islamic order.

Islam prohibits Muslims from taking or giving interest (riba) regardless of the purpose for which such loans are made and regardless of the rates at which interest is charged. To be sure, there have been attempts to distinguish between usury and interest and between loans for consumption and for production. It has also been argued that riba refers to usury practised by petty moneylenders and not to interest charged by modern banks and that no riba is involved when interest is imposed on productive loans, but these arguments have not won acceptance. Apart from a few dissenting opinions, he general consensus among Muslim scholars clearly is that there is no difference between riba and interest. In what follows, these two terms are used interchangeably.

The prohibition of riba is mentioned in four different revelations in the Qur'an (1) . The first revelation emphasizes that interest deprives wealth of God's blessings. The second revelation condemns it, placing interest in juxtaposition with wrongful appropriation of property belonging to others. The third revelation enjoins Muslims to stay clear of interest for the sake of their own welfare. The fourth revelation establishes a clear distinction between interest and trade, urging Muslims to take only the principal sum and to forgo even this sum if the borrower is unable to repay. It is further declared in the Qur'an that those who disregard the prohibition of interest are at war with God and His Prophet. The prohibition of interest is also cited in no uncertain terms in the Hadith (sayings of the Prophet). The Prophet condemned not only those who take interest but also those who give interest and those who record or witness the transaction, saying that they are all alike in guilt (2) .

It may be mentioned in passing that similar prohibitions are to be found in the preQur'anic scriptures, although the 'People of the Book', as the Qur'an refers to them, had chosen to rationalize them. It is amazing that Islam has successfully warded off various subsequent rationalization attempts aimed at legitimizing the institution of interest.

Some scholars have put forward economic reasons to explain why interest is banned in Islam. It has been argued, for instance, that interest, being a pre determined cost of production, tends to prevent full employment (Khan 1968; Ahmad n.d.; Mannan 1970). In the same vein, it has been contended that international monetary crises are largely due to the institution of interest (Khan, n.d), and that trade cycles are in no small measure attributable to the phenomenon of interest (Ahmad 1952; Su'ud n.d.). None of these studies, however, has really succeeded in establishing a causal link between interest, on the one hand, and employment and trade cycles, on the other. Others, anxious to vindicate the Islamic position on interest, have argued that interest is not very effective as a monetary policy instrument even in capitalist economies and have questioned the efficacy of the rate of interest as a determinant of saving and investment (Ariff 1982).

A common thread running through all these discussions is the exploitative character of the institution of interest, although some have pointed out that profit (which is lawful in Islam) can also be exploitative. One response to this is that one must distinguish between profit and profiteering, and Islam has prohibited the latter as well.

Some writings have alluded to the 'unearned income' aspect of interest payments as a possible explanation for the Islamic doctrine. The objection that rent on property is considered halal (lawful) is then answered by rejecting the analogy between rent on property and interest on loans, since the benefit to the tenant is certain, while the productivity of the borrowed capital is uncertain. Besides, property rented out is subject to physical wear and tear, while money lent out is not. The question of erosion in the value of money and hence the need for indexation is an interesting one. But the Islamic jurists have ruled out compensation for erosion in the value of money, or, according to Hadith, a fungible good must be returned by its like (mithl): 'gold for gold, silver for silver, wheat for wheat, barley for barley, dates for dates, salt for salt, like for like, equal for equal, and hand to hand ...' (3) .

The bottom line is that Muslims need no 'proofs' before they reject the institution of interest: no human explanation for a divine injunction is necessary for them to accept a dictum, as they recognize the limits to human reasoning. No human mind can fathom a divine order; therefore it is a matter of faith (iman).

The Islamic ban on interest does not mean that capital is costless in an Islamic system. Islam recognizes capital as a factor of production but it does not allow the factor to make a prior or predetermined claim on the productive surplus in the form of interest. This obviously poses the question as to what will then replace the interest rate mechanism in an Islamic framework. There have been suggestions that profit-sharing can be a viable alternative (Kahf 1982a and 1982b). In Islam, the owner of capital can legitimately share the profits made by the entrepreneur. What makes profit sharing permissible in Islam, while interest is not, is that in the case of the former it is only the profit-sharing ratio, not the rate of return itself that is predetermined.

It has been argued that profit-sharing can help allocate resources efficiently, as the profit-sharing ratio can be influenced by market forces so that capital will flow into those sectors which offer the highest profit sharing ratio to the investor, other things being equal. One dissenting view is that the substitution of profit-sharing for interest as a resource allocating mechanism is crude and imperfect and that the institution of interest should therefore be retained as a necessary evil (Naqvi 1982). However, mainstream Islamic thinking on this subject clearly points to the need to replace interest with something else, although there is no clear consensus on what form the alternative to the interest rate mechanism should take. The issue is not resolved and the search for an alternative continues, but it has not detracted from efforts to experiment with Islamic banking without interest.

Courtesy of Mohamed Ariff, University of Malaya